Washington USDA Loans
My state-specific information
Eligibility Requirements – Washington
Washington residents have a great opportunity when house-hunting thanks to USDA loans. USDA loans require no down payment or qualifying assets, have no maximum loan amount, and can be used for both new and existing properties. Plus, fixed interest rates mean that your payments won’t increase over time. For a family of 1-4 in Washington, the average household income limit for a USDA loan is about $119,850 a year, and for families of 5 or more the limit can be as high as $236,350. For more information, fill out the form above to get in touch with one of our USDA loan specialists.
This map shows the areas of Washington that are eligible for USDA loans. To find out more about qualifying areas, head to the USDA property eligibility screen.
Washington USDA Income Limits (Moderate Income – Guaranteed Loan)
Most rural Washington counties follow the standard USDA income limit. Higher-cost metro areas, particularly in the Puget Sound region, have increased limits.
| Area | 1–4 Person | 5+ Person |
|---|---|---|
| Standard Washington Limit (Most Counties & Rural Areas) | $124,800 | $164,750 |
| San Juan County, WA | $127,450 | $168,250 |
| Island County, WA | $128,100 | $169,100 |
| Mount Vernon–Anacortes, WA MSA | $125,800 | $166,100 |
| Olympia–Lacey–Tumwater, WA MSA | $134,200 | $177,150 |
| Tacoma, WA HUD Metro FMR Area | $138,950 | $183,450 |
| Bremerton–Silverdale–Port Orchard, WA MSA | $142,950 | $188,700 |
| Portland–Vancouver–Hillsboro, OR–WA MSA (WA Portion) | $142,750 | $188,450 |
| Seattle–Bellevue, WA HUD Metro FMR Area | $179,050 | $236,350 |
USDA income limits in Washington are based on total household income and household size. This includes income from all adult household members, not just the borrower.
If your total qualifying household income is within the limit for your area and household size, you may be eligible for a USDA Guaranteed loan with 100% financing (no down payment required).
Check Your Washington USDA Eligibility
USDA loans are available in eligible rural and suburban areas throughout Washington. We can quickly:
- Verify your household income eligibility
- Confirm the property is in a USDA-eligible location
- Provide a fast payment estimate and next steps
Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on verified household income, household size, and USDA program guidelines.
- NO down payment – Finance 100% of your home
- NO maximum loan amount in Washington.
- NO assets needed to qualify
- Flexible credit guidelines
- Competitive, fixed interest rates so payments do not increase
- USDA Loans are for new and existing properties
Start your Washington USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.
What areas are eligible?
USDA Eligibility Map – Washington
